Hi everyone

Been reading the forums for a while now and the advice is amazing,i have a problema and looking for some advice,i have a loan with Quick Quid originally for £600,i defaulted and the debt went up to nearly £900.After several emails back and forth trying to get to an arrangemant with them that i could afford to no avail and payments were on and off.

Not heard anything now since before xmas but last week recieved a letter from Mackenzie Hall who had been dealing with the debt telling me they had assigned it to Motormile finance and all dealings now should be made with them,now i looked them up and OMG IM PETRIFIED!!! they say they can come round top your house knocking on doors etc at all hours and by the sounds of it they actually do this,i tried to contact them via their site to see if i can set something up but so far they havent answered,im dreading them turning up and scared stifft as there are other people in the house who will go ballistic if they did.Can anyone advise what i can do or if they hacve dealt with them please.

Thankyou x

Hi and welcome to CAG

Should anyone turn up at your door, you do not have to talk to them. Once you tell them to 'Foxtrot Oscar', they must leave and if they refuse to do so, you are well within your rights to phone your local plod and ask for assistance in removing a person harassing you.

If you have a look in the library (top left) you will find a plethora of letters to help you deal including a 'doorstep letter'. You could always send them that.

Hi angel!

Don't worry.

I have had dealings with MMF.

Yes - they probably will send their overweight doorstep collector round to you if you ignore them. They did to me.

You are not ignoring this debt though are you?

To be honest they were pretty quick to respond by email to me. I deserved to be visited to be fair, I buried my head in the sand and assumed the threat of a visitor was just a threat.

I wish I'd have found cag sooner. Taught me a valuable lesson (many in fact)

You could always write to them advising them that they are only allowed to visit you at home by appointment and that you won't be making any appointments!!!

They do like to haggle with you. Whatever you offer them, they'll want more. If you can afford to pay £40 per month offer them £20 per month. They'll probably write back saying £20 is not enough and they'll accept £30 or £40.

I emailed them asking for the CCA, just to make sure everything was above board. They did provide me with this.

I pay them now through my dmp.

Just remember this. These 2 bit DCAs like mucky hall and MMF are a lot easier to deal with over quickquid!

Let us know how you get on x

While it may be good to haggle, I don't think this is necessarily a good idea, especially if you are not at all comfortable haggling.

You work out what you can afford and tell them that. If they refuse, what can they do? Send a goon around to harass you. Not if you instruct them not to call.

If you happen to fall into one of the vulnerable groups too, they have to treat you differently.

If I came to your door and told you to give me money you would tell me to go forth. Same applies to MMF

Thanks for the advice,i think it was around September when i stopped paying,Mackenzie hall kept trying to get me to pay more and threatened court action so i stopped the direct debit,i suppose though 4 months is a long time not to pay,i just want to set something up but dont want people coming to my home!!

Do you think if i keep emailing them it will stop them from coming around?

Silver fox what do you mean by falling into one of the vulnrebale groups?

Silver fox what do you mean by falling into one of the vulnrebale groups?

unemployed

elderly

single parent

disabled

Ah i see,i dont fall into any of those catergories

I have various outstanding loans due to PDLs. In respect of Motor Mile they were collecting for a debt that I owed to Quick Quid. On checking through what I owe presently I went through my emails with QQ and realised that the debt was from as far as 2009 and not long after I took out the loan I lost my job. Normally I don't deal with debt collection agencies, I certainly don't take their phone calls but over time Motormile offered me a good deal which was that I was offered the chance to pay half of what I owed to QQ in full and final settlement of the debt and that my credit record would show that this bill had been satisfied. My debt to QQ was £422.75 and I settled it at £253.65 some 2 years after taking out the loan. I never received anybody on my doorstep and even if I did it would have been a wasted journey for them because my door would have remained locked. So yes I have settled one payday loan but have more to sort out. One thing that I did do to ensure that they do not get any money from my account is to inform the bank that my card was stolen - it's no good saying you have lost it or have it cancelled as some banks don't actually block the card for a set amount of days just in case you do find it, if it is reported as stolen everything at was being paid from it will be blocked. I have entered into a repayment agreement with Lending Stream and informed them that due to my dire financial circumstances I do not have a debit card therefore to provide me with their bank details to set up a standing order, that way they do not have access to my bank account. McKenzie Hall will bully you if you allow them - I don't allow any debt collection agency bully or threaten me with court proceedings/bailiffs and I also inform the payday loan companies that I will not be dealing with the collection agencies as I did not take out any business with them and if they really want repaying that we come to some sort of agreement. I also do not enter into any telephone conversation with them as I am unable to keep an accurate record of the conversation and will only discuss the account through email. Anyway good luck with your case but do not allow these people to bully you.